Start by reading the denial letter closely, it has to give you a reason, and that reason tells you exactly what to challenge. Most policies and insurers allow an internal appeal, where you submit new documentation, photos, or witness statements addressing whatever they cited. You typically have a real window to do this, insurers usually respond to appeals within 30 to 60 days.
When it goes beyond an appeal
If the denial looks like bad faith, meaning the insurer isn’t acting reasonably or honestly in how they’re handling your claim, Colorado law gives you options beyond an internal appeal, including reporting it to the state and potentially suing for bad faith.
What to do next
If this is where you are right now, call Mile High Legal at (720) 853-5779 for a free consultation. We handle Colorado car accident and injury claims on contingency, meaning you pay nothing upfront and nothing at all unless we recover money for you.
